4 Things You Absolutely Should Not Do After You Apply for a Mortgage

If you have a good credit history and are prepared to invest in a home, you may be feeling pretty confident about the mortgage process. However, it’s important to be aware that there are things that can have a negative impact on your application. Whether you’ve just submitted your documents or are getting close to it, here are some things you may want to avoid.

Acquiring New Credit

It may seem silly that something as minor as a new credit card can be a mark against your credit, but applying for new ones can be a bad sign to lenders. The problem is that this can be signal an unmanageable debt load, so you may be considered a high risk for not being able to make your payments.

Forget To Pay Your Bills

It’s easy enough to get lulled into the feeling that your mortgage application will be approved, but this doesn’t mean that you should forget your financial responsibilities. If you’ve had poor credit in the past and neglected paying your bills on time, now is not the time to do this. Instead, ensure that you’re paying all bills and any applicable minimum payments in advance of the due date so your credit score is not impacted.

Close Old Credit Cards

Many people think that closing out old credit cards can be a positive financial step forward and a good way to streamline their finances, but this can cause damage to your credit score. Because closing a credit card will change your available balance and bump up your debt load, it may mean that your debt percentage will increase. Instead of risking this, leave them active until you’ve received approval.

Quit Your Job

Few people will have the ability to quit their job when they’re applying for a mortgage, but doing this or incurring other fluctuations in your monthly income can cause problems with your application. If you are self-employed, there may be peaks and valleys in your finances, but a huge shift in what you bring home can show lenders that you’re not a solid bet.

There can be a lot of stress that comes along with the mortgage application process, but by paying your bills on time and staying on top of your payments, you can avoid negatively impacting your approval.   To start your home search, give me a call – J.P. Cook – 602-320-4253.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

9746 E Thornbush Avenue Mesa, AZ 85212

$815,000

4 Beds

3 Baths

2,876 SqFt

Status Active

MLS # 6782397

Property Type Single Family Residence

Price Type --

Dream home alert in Cadence! Fantastic curb appeal featuring a 3-car garage with built in overhead storage & epoxy floors! Discover a captivating open floor plan with high ceilings & plantation shutters throughout. Tile flooring in all living areas, carpet in bedrooms. The kitchen comes with granite counters, white shaker cabinets with crown moulding, pendant/recessed lighting, a subway tile backsplash, SS appliances, a walk-in pantry and island with a breakfast bar. You'll also find a versatile bonus room that provides additional living space. The serene main bedroom showcases plush carpeting, direct backyard access, an ensuite with double sinks & his and hers walk-in closets. Enjoy relaxing outdoor moments in the backyard, boasting a covered patio, BRAND NEW Pool, Spa, Turf & Dog run.

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4291 E Claxton Avenue Gilbert, AZ 85297

$815,000

4 Beds

2.5 Baths

2,876 SqFt

Status Active

MLS # 6776836

Property Type Single Family Residence

Price Type --

Discover luxury living in this elegant TW Lewis-built home nestled in the prestigious Power Ranch Master Planned Community. This stunning four-bedroom, 2.5-bath residence welcomes you with a private front courtyard and an upgraded backyard featuring a four-hole putting green, a charming pergola, and a built-in firepit with bench seating—perfect for entertaining. The dream kitchen, remodeled in 2021, boasts quartz countertops, a gas cooktop, custom cabinetry with pull-out pantry shelves, a tile backsplash, a breakfast bar, and a bright breakfast nook overlooking the courtyard. The inviting family room features a beautiful rock fireplace and rich hardwood floors. The master suite offers a spacious walk-in tile shower, a jetted soaking tub, and an expansive walk-in closet. Additional bedrooms provide ample storage. This beautiful property features significant upgrades, including two brand-new HVAC systems installed in 2022, ensuring year-round comfort. The exterior received a fresh coat of paint in 2023, adding modern curb appeal and a welcoming look. Enjoy the Power Ranch community amenities, including two catch-and-release fishing lakes, scenic parks, miles of trails, two clubhouses, two pools (one heated), a splash pad, and courts for basketball, volleyball, and tennis. This home is a perfect blend of comfort, elegance, and community living!

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4541 E Rakestraw Lane Gilbert, AZ 85298

$815,000

3 Beds

3 Baths

2,551 SqFt

Status Active Under Contract

MLS # 6769499

Property Type Single Family Residence

Price Type --

Welcome to this gorgeous home in Trilogy, Gilbert's premier active adult community. The open-concept design provides a seamless flow, offering a bright and spacious environment perfect for entertaining or simply relaxing. The kitchen is truly a chef's delight, featuring Wolfe and Subzero appliances, ideal for preparing gourmet meals or hosting gatherings. Two covered patios offer peaceful retreats, perfect for enjoying your morning coffee or winding down with a glass of wine in the evening. Beyond the home, Trilogy offers a vibrant lifestyle with access to golf, pickleball, a resort-style pool, and numerous activities and amenities designed to keep you active and connected with the community. Experience the perfect blend of luxury and leisure in this stunning property.

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6827 E Orion Drive Scottsdale, AZ 85257

New

$815,000

3 Beds

2.5 Baths

2,005 SqFt

Status Active

MLS # 6784266

Property Type Single Family Residence

Price Type --

New Lower Price. Vista Skye is filled with beautiful high quality fixtures and finishes that would normally be found in the most sophisticated properties in New York, San Francisco or Miami. Luxury and Style exude from VISTA SKYE. The fun begins with the entrance to the private, gated community of Skye On McDowell. A community of all Single Family Detached homes, these are not townhouses! The meticulously maintained Pool / Spa / Bbq Pavilion and Fitness Center beckons you to relax with friends and family. VISTA SKYE is an extended Concerto model, picking up extra square footage. Loaded with the most sought after features such as Italian ceramic tile, and ultra luxury carpet in all the right places. You will love the openness of VISTA SKYE, with 10 Ft. ceilings, high quality windows to

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7141 E Rancho Vista Drive Unit 4004 Scottsdale, AZ 85251

$815,000

2 Beds

2 Baths

1,424 SqFt

Status Active

MLS # 6632314

Property Type Apartment

Price Type --

This luxury 2 bedroom, 2 bathroom condo offers a lavish and comfortable living experience. Located in a desirable area, this condo provides a sophisticated and stylish space for residents to enjoy. As you enter the condo, you are greeted by an open-concept living area that combines the living room, dining area, and kitchen. The living room is spacious and elegantly designed, featuring large windows that fill the space with natural light and offer panoramic views. The kitchen is a chef's dream, equipped with new quartzsite countertops, and ample storage space. It is designed to be both functional and visually appealing, making it a pleasure to prepare meals and entertain guests. The adjacent dining area is ideal for enjoying meals with family and friends, with plenty of space for a dining table and chairs. The condo features two luxurious bedrooms, each with its own ensuite bathroom. The bedrooms are spacious and offer a tranquil retreat for relaxation. Large windows allow natural light to fill the rooms, creating a bright and inviting atmosphere. The ensuite bathrooms are beautifully designed with modern fixtures. Amenities include concierge, indoor & outdoor heated pool and spa with women and men's locker room, fitness center, racquetball & basketball court. Walking distance from Scottsdale Fashion Square Mall, Old Town, restaurants, & so much more

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8313 E Rancho Vista Drive Scottsdale, AZ 85251

$815,000

3 Beds

2 Baths

1,810 SqFt

Status Active

MLS # 6755012

Property Type Single Family Residence

Price Type --

Welcome home to your very own private oasis nestled in Scottsdale. This stunning home offers 3 bedrooms, 2 bathrooms, and a spacious 3.5-car garage with an RV gate. Designed for style, comfort, and convenience, this home is sure to impress! The chef's kitchen stands out with its stainless-steel appliances and granite countertops, complemented by a stylish backsplash and tall cabinets that provide an abundance of storage. For added convenience, the kitchen features a wine cooler, a custom breakfast bar, pot filler, microwave drawer, and much more. Enjoy the elegance of bamboo wood flooring throughout, along with tall ceilings and recessed lighting that brighten the large, open living spaces. Step outside and enjoy your private backyard oasis, complete with a pool, turf, and mature shady trees. The large lot features low-maintenance desert landscaping, allowing you to spend more time enjoying your home and less time on upkeep. Plus, with no HOA, you have the freedom to make this space truly your own! This property is a rare find, conveniently located in the heart of Scottsdale near highly-rated schools, freeway access, Old Town Scottsdale, highly sought after golf courses, shopping centers, restaurants, and the best entertainment Scottsdale has to offer. **BONUS GREAT NEIGHBORS** The neighborhood itself is fantastic, offering a wonderful sense of community.

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7615 W Wagoner Road Glendale, AZ 85308

$815,000

5 Beds

3 Baths

3,453 SqFt

Status Active

MLS # 6725213

Property Type Single Family Residence

Price Type --

Stunning 5-bedroom residence in Hidden Manor is a dream come true! Manicured landscape, an extended driveway, & a large RV gate is just the beginning. Prepare to be impressed by an enchanting interior adorned with recessed lighting, engineered wood floor, a neutral color palette, & a delightful fireplace. The impeccable kitchen showcases a marble backsplash, SS appliances, white shaker cabinets, a walk-in pantry, quartz counters, & a pass-through window with a breakfast bar. The main suite features soft carpet in all the right places & a private bathroom with granite dual sinks for added comfort. Discover the oversized backyard providing the perfect spot for outdoor entertaining! This gem won't disappoint!

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4327 S Kimberlee Drive Chandler, AZ 85249

$815,000

5 Beds

4 Baths

3,914 SqFt

Status Active

MLS # 6764175

Property Type Single Family Residence

Price Type --

This stunning 2-story home in Chandler 85249 is giving ALL the vibes! Offering a blend of space, elegance, and potential that's hard to come by. As you pull up, you'll be greeted by the expansive 3-car tandem garage, providing ample parking and storage space for all your vehicles, tools, and toys. Step inside and prepare to be wowed by the HUGE open entryway, highlighted by a striking balcony that lines the second floor. The soaring ceilings and natural light create an airy and inviting ambiance, making this the perfect blank canvas to bring your vision to life. Freshly painted, the home is ready for you to add your personal touch. With neutral tones throughout, the possibilities are endless for customizing each space to suit your style. Whether you're planning to upgrade the kitchen, personalize the living areas, or design a dreamy backyard retreat, any investment you make in this property will make you happy you did. One of the home's crown jewels is the private pool-ideal for cooling off on those hot Arizona days or entertaining guests in your own backyard oasis. Imagine spending weekends lounging poolside, hosting BBQs, or enjoying quiet evenings under the stars. Upstairs, you'll find the spacious bedrooms, perfect for relaxation and privacy. The second-story layout offers a flex space retreat away from the main living areas, allowing you to unwind in comfort after a long day. The primary suite is particularly inviting, with ample room to create your own luxurious sanctuary. Location is everything, and this home does not disappoint! Nestled in a prime Chandler zip code, you'll enjoy easy access to shopping, dining, and entertainment. Plus, you're just minutes away from major highways, making commuting a breeze. This home is a rare find-offering both incredible value and room to build even more. Whether you're looking for your next home or an investment opportunity, this property checks all the boxes. Don't miss your chance to make it yours!

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3700 E Carob Drive Gilbert, AZ 85298

$815,000

6 Beds

4.5 Baths

3,661 SqFt

Status Active

MLS # 6764021

Property Type Single Family Residence

Price Type --

Stunning 6-Bedroom Home in The Bridges at Gilbert with Resort-Style Backyard! Welcome to your dream home! This spacious 6-bedroom, 4.5-bathroom home boasts nearly 3,700 sq. ft. of living space, offering comfort and luxury for the entire family. Featuring an expansive 3-car garage and a double loft, perfect for additional living areas, this home is designed with both style and function in mind. The open-concept floor plan includes a large den/office, formal dining room, and resort-inspired backyard complete with a sparkling pool and relaxing jacuzzi—ideal for entertaining or unwinding after a long day. Nestled in the highly sought-after Lake Community of The Bridges at Gilbert, this home is one of Taylor Morrison's most popular two-story designs. Just minutes away from high-end shopping, top-rated schools, Gilbert Regional Park, fantastic dining options, and convenient freeway access, this home offers the perfect blend of luxury and location. This is the perfect setting to entertain family and friends while creating lasting memories! Don't miss out on this gem in the heart of Gilbert!

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18871 E Mockingbird Drive Queen Creek, AZ 85142

$815,000

6 Beds

4.5 Baths

3,850 SqFt

Status Active

MLS # 6772172

Property Type Single Family Residence

Price Type --

Move-in ready and GORGEOUS! Beautiful 6 BEDROOM, 4.5 BATH home in the very desirable Cortina neighborhood. Perfect natural light leads into a stunning custom office, great room & family room! HUGE master bedroom and master bath, separate shower/tub, double sinks, & walk-in closet. Includes spacious loft & upstairs laundry room. A remodeled kitchen with a large island, backsplash, walk-in pantry & large breakfast room. Brand new carpet through upstairs & new bath & laundry room flooring. Home has plenty of storage, including a GIGANTIC 4 car garage, a large RV gate & side yard. The home is beautifully landscaped front & back with a luxury pool & spa in 2021, in-ground trampoline, and mature fruit trees. Recently painted exterior & front yard refresh in 2022. Welcome home!

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15212 N 53rd Street Scottsdale, AZ 85254

Open House

$815,000

3 Beds

2 Baths

1,809 SqFt

Status Active

MLS # 6768560

Property Type Single Family Residence

Price Type --

Welcome home to this updated home in the desirable 85254 neighborhood! This bright and spacious 3 bed, 2 bath home features a large formal living space with vaulted ceilings, new wood plank-look tile throughout, plantation shutters, and a formal dining/cozy family room with a wood-burning fireplace. The large primary bedroom has a private backyard entry, and ensuite bathroom with double sinks and walk-in closet. The functional kitchen features black granite, a breakfast bar, pantry, stainless steel and black appliances and recessed lighting. The private backyard is perfect for relaxing or entertaining and has a large covered patio and sparkling pool and spa. Minutes to the SR 51, Kierland and Scottsdale Quarter shopping and dining, and multiple golf courses. All furniture available!

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1768 W Redfield Road Gilbert, AZ 85233

Open House

$815,000

5 Beds

3 Baths

3,273 SqFt

Status Active

MLS # 6781579

Property Type Single Family Residence

Price Type --

FULLY REMODELED! TURN-KEY! Brand new kitchen & flooring! The backyard offers stunning views, low-maintenance landscaping, and a sparkling pool with brand new pebble surface. Inside, the open floor plan you'll find huge living areas, as well as additional bedrooms and full bath downstairs. Brand NEW beautiful wood-like tile, luxury carpet & professionally painted throughout. The kitchen has been fully remodeled w/ new cabinets & quartz countertops. TWO NEWER AC UNITS ensure low electric bills. All appliances are newer & come w/ the house, including additional laundry room fridge & washer/dryer pair. Upstairs, you'll find three generously sized bedrooms + a master retreat w/ a private balcony. The community offers great amenities, including tennis courts, parks, basketball! This won't last!

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